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, MO

ZIP 63438 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63438

Median Home Value
$95,200
Median Rent
N/A
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$612/mo PITI).

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 63438 in MO, a household would need roughly $26,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $612. That sits below the local median household income ($38,125), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 42% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.0%+22% vs US avg
x
Vacancy Rate
41.8%+305% vs US avg
x
Broadband Access
56.7%-35% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
3.9%-44% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
39.6%+4% vs US avg
x
$95,200
Home Value
N/A
Rent
1983
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached83.5%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other16.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$95,200
Median rent$-666,666,666
Owner-occupied80.0%
Vacant41.8%
Price-to-income2.5x
Est. income to buy$26,000